The love of my life (my dog, of course!!) tore his ACL and needed surgery to repair the torn ligament and also had a steel plate put in his leg for reinforcement. I was looking at over a $3000 surgery but did not hesitate to get my baby the help he needed. As I handed the receptionist my credit card to pay my bill, I crossed my fingers hoping that Pet Plan would cover the cost of the surgery. After getting all the paperwork together I faxed it to the claims depertment and, again, crossed my fingers. About three weeks later I received my check in the mail!!!!! I was shocked to see that the surgery was fully covered!!! Thank you Pet Plan!!